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Best U.S. Bank Credit Cards 2024

  • U.S. Bank is one of the largest credit card issuers in the United States and offers many different types of credit cards to help people meet their specific financial goals.
  • While U.S. Bank’s credit card selection is geared mainly toward personal credit holders, they also offer a few credit cards for businesses as well.
  • The best U.S. Bank credit cards can be divided into several categories, such as cards that help users earn rewards or cash back, build or repair credit, or consolidate and pay down debt at 0% APR.
  • The best U.S. bank card for you will depend on your financial goals. To help you choose, we have chosen our top picks from each category.

U.S. Bank credit cards can be more useful and lucrative than people realize, especially for consumers who spend a lot of money in certain categories every month. While U.S. Bank’s credit cards are less well-known than some of those offered through other major issuers like American Express, Capital One, and Chase, U.S. Bank cards are very competitive and can be an excellent choice depending on your needs.

U.S. Bank offers a range of credit cards for all types of consumers, including cash-back credit cards, general rewards cards, travel credit cards, balance transfer cards, and secured cards. Below we detail the best U.S. Bank credit cards by category, along with their pros and cons, to help you find the best option for your needs.

Which credit cards are offered by U.S. Bank?

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Best for Everyday Spending

U.S. Bank Shopper Cash Rewards Visa Signature? Card:

U.S. Bank Shopper Cash Rewards Visa Signature? Card:
Up to 6% Reward Rate

Earn 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose. 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category. 1.5% Cash Back on all other eligible purchases. 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center.

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Annual Fee
$0 the first year, then $95
Welcome Offer
$250
Regular APR
19.49%-29.74% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The U.S. Bank Shopper Cash Rewards Visa Signature? Card is an excellent choice for everyday spending. You earn 6% cash back on combined eligible purchases from two retailers you choose each quarter (up to $1,500 combined) and 3% cash back in an everyday category you choose each quarter (up to $1,500), as well as a flat 1.5% cash back on all other eligible purchases. This card also waives its $95 annual fee the first year, which gives you the chance to try it out for 12 billing cycles before you commit.
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Card Details

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  • Earn up to 6% cash back at two retailers you choose, like Amazon.com, Target?, Walmart?, and more.
  • Get your cash back as a statement credit, a rewards card or directly deposited into your U.S. Bank checking or savings account. Enjoy flexible options designed to fit your needs.
  • Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Shopping Deals.
Pros
  • Earns up to 6% back in select bonus categories each quarter
  • Generous 1.5% cash back rate on regular spending
  • $0 annual fee the first year (then $95)
Cons
  • High variable APR
  • Charges 3% foreign transaction fees
  • Bonus rewards caps apply

Best for No Annual Fee

U.S. Bank Altitude? Go Visa Signature? Card

U.S. Bank Altitude? Go Visa Signature? Card
Up to 4X Reward Rate

Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on groceries, gas, EV charging, and streaming services. Earn 1X points on all other eligible purchases.

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Annual Fee
$0
Welcome Offer
20,000 points
Regular APR
18.24% - 29.24% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
The U.S. Bank Altitude? Go Visa Signature? Card stands out due to its lack of an annual fee, plus the fact users earn up to 4X points in popular everyday spending categories. The card even has an intro 0% APR offer for the first 12 months (then 18.24-29.24%) for purchases and balance transfers.
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Card Details

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  • $15 credit for annual streaming purchases like Netflix, Hulu, Spotify?, Apple TV+, and more
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.24% - 29.24%.
  • Redeem points for merchandise, cash back, charity, gift cards and travel or redeem instantly for purchases with Real-Time Rewards.
  • Every Altitude? Go Visa Card is made with recycled plastic, helping to reduce the amount of plastic waste in the environment.
  • No foreign transaction fees.
  • Points never expire.
  • Terms and conditions apply.
Pros
  • Earns 4X points on dining, takeout, and delivery
  • Generous welcome offer
  • Intro APR offer for eligible purchases and balance transfers
Cons
  • High regular APR after intro offer
  • Low earning rate of 1X points on regular spending

Best for Earning Cash Back

U.S. Bank Cash+? Visa Signature? Card

U.S. Bank Cash+? Visa Signature? Card
Up to 5% Reward Rate

Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter. Earn 2% cash back on eligible purchases in your choice of one everyday category, and earn 1% cash back on all other eligible purchases.

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Annual Fee
$0
Welcome Offer
$200
Regular APR
19.49-29.74% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The U.S. Bank Cash+? Visa Signature? Card was designed for users who want to earn cash back without paying an annual fee. Not only does it offer 5% back on up to $2,000 spent in eligible purchases each quarter (then 1% back), but card members earn 2% back in an everyday category of their choosing and 1% cash back on other purchases. Cardholders even get an intro 0% APR offer for 15 months with this card (then 19.49%-29.74%).
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Card Details

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  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies, currently 19.49-29.74%.
  • Get your cash back as a statement credit, a rewards card or directly deposited into your U.S. Bank checking or savings account. Enjoy flexible options designed to fit your needs.
  • Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Shopping Deals.
Pros
  • Earns up to 5% back on eligible purchases
  • Generous welcome offer
  • Intro APR offer for eligible purchases and balance transfers
Cons
  • High regular APR after intro offer
  • Low earning rate of 1% cash back on regular spending
  • Charges 3% in foreign transaction fees

Best for Travel Rewards

U.S. Bank Altitude? Connect Visa Signature? Card

U.S. Bank Altitude? Connect Visa Signature? Card
Up to 5X Reward Rate

Earn 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center. Earn 4X points on other eligible travel purchases.

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Annual Fee
$0 the first year, then $95
Welcome Offer
50,000 points
Regular APR
21.24%-29.24% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
The U.S. Bank Altitude? Connect Visa Signature? Card earns 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center. Other eligible travel purchases (as well as gas and EV charging station purchases) earn 4X points, and cardholders get a limited number of airport lounge visits each year, up to $100 in statement credits toward Global Entry or TSA PreCheck membership, and more.
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Card Details

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  • Up to $100 in statement credits for reimbursement toward your TSA PreCheck? or Global Entry? application fee once every four years.
  • No foreign transaction fees.
  • Get a $30 credit for annual streaming service purchases like Netflix, Apple TV+, Spotify? and more.
  • Complimentary Priority Pass? Select membership gives you 4 free visits to over 1,300 airport VIP lounges and experiences worldwide.
  • Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone bill with your card.
  • Terms and conditions apply.
Pros
  • Earn up to 5X points on eligible travel purchases
  • Generous welcome offer
  • No foreign transaction fees
Cons
  • High variable APR
  • $95 annual fee applies after first year
  • Low earning rate of 1X points on regular spending

Best for Balance Transfers

U.S. Bank Visa? Platinum Card

U.S. Bank Visa? Platinum Card
No Rewards

This card doesn’t earn any rewards.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
18.74%-29.74% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The U.S. Bank Visa? Platinum Card is the best option from this card issuer if you need to transfer a balance and pay down debt. There’s no annual fee required, and this card gives you 0% APR on purchases and balance transfers for 18 billing cycles with a balance transfer fee of 3% (minimum $5). Note that after the introductory period ends, the regular APR of 18.74% to 29.74% (variable) applies.
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Card Details

More Card Info

  • 0% Intro APR on purchases and balance transfers for the first 21 billing cycles. After that, a variable APR applies, currently 18.74-29.74%.
  • Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone with your card.
    • Autopay: Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.
  • ID Navigator Powered by NortonLifeLock?: Get tools that help keep you informed of threats that may affect your identity
  • Choose your payment due date; Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.
Pros
  • Lengthy 0% APR offer
  • Competitive balance transfer fee
  • No annual fee
Cons
  • High regular APR after intro period ends
  • Doesn’t have a rewards program
  • Charges 3% in foreign transaction fees

Best Premium Travel Credit Card

U.S. Bank Altitude? Reserve Visa Infinite? Card

U.S. Bank Altitude? Reserve Visa Infinite? Card
Up to 5X Reward Rate

Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 3X points on other eligible travel purchases.

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Annual Fee
$400
Welcome Offer
50,000 points
Regular APR
22.24%-29.24% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
The U.S. Bank Altitude? Reserve Visa Infinite? Card is this credit card issuer’s premium travel credit card, so it has the most travel perks and features. For example, card members get up to $325 in credits each year toward eligible travel and dining purchases, plus four Priority Pass airport lounge visits per year, up to $100 in statement credits every 4 years from applying for Global Entry or TSA PreCheck membership, and more.
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Card Details

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  • Up to $325 in in annual credits for eligible travel purchases and dining, takeout and restaurant delivery purchases.
  • Complimentary Priority Pass? Select membership gives you 8 free visits to over 1,300 airport VIP lounges and experiences worldwide
  • Enjoy up to $100 in statement credits to reimburse your TSA PreCheck? or Global Entry? application fee once every four years
  • Gain peace of mind 24/7 with fraud monitoring, shopping protection, and assistance while traveling with trip delays, cancellations, interruptions and more
  • ID Navigator Powered by NortonLifeLock?: Get tools to help keep you informed of threats that may affect your identity.
  • Visa Infinite benefits
  • Terms and conditions apply.
Pros
  • Earns 5X points on eligible travel purchases in the Altitude Rewards Center
  • Earns 3X points on other eligible travel and mobile wallet spending
  • Elevated point value for travel redemptions
Cons
  • High variable APR
  • High annual fee
  • Points do not transfer to airlines and hotels

Best for Flexibility

U.S. Bank FlexPerks? Gold American Express? Card

U.S. Bank FlexPerks? Gold American Express? Card
Up to 5X Reward Rate

Earn 5X points on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center, 3X on dining, takeout, and restaurant delivery, 2X at airlines, gas stations, and EV charging stations, and 1X on all other eligible purchases.

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Annual Fee
$85
Welcome Offer
30,000 points
Regular APR
19.74%-29.74% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The U.S. Bank FlexPerks? Gold American Express? Card is offered in partnership with American Express, and it lets users earn a flexible U.S. Bank rewards currency known as FlexPoints. Rewards earned with this card can be redeemed for merchandise, gift cards, cash back, or travel through U.S. Bank.
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Card Details

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  • Your contactless card makes payments with a simple, single tap. Use your card wherever you see the Contactless Symbol.
  • Go mobile. Add your Card to your mobile device and you’ll enjoy simple and more secure payments in stores, in apps and on the web.
  • Add authorized users easily through the website or mobile app
  • Mobile Wallet: Add the FlexPerks? Gold American Express? Card card to your Mobile Wallet. Convenient and secure, you can pay with just a tap.
  • Stay up to date. Provide your email address to receive special offers.
  • Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Shopping Deals.
  • No foreign transaction fees
  • Terms and conditions apply.
Pros
  • Earns 5X FlexPoints on eligible prepaid travel purchases through the FlexPerks Rewards Center
  • Also earns 3X FlexPoints on dining at U.S. restaurants (including takeout and delivery)
  • Generous welcome offer
Cons
  • High variable APR
  • Annual fee required

Best for Building Credit

U.S. Bank Secured Visa? Card

U.S. Bank Secured Visa? Card
No Rewards

This card doesn’t earn any rewards.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
29.24% variable
Recommended Credit
Bad/Poor (300 - 580)
Why we like it
If you want to build credit with no annual fee, the U.S. Bank Secured Visa? Card could be for you. This card is secured, so it requires a refundable cash deposit of at least $300 as collateral. However, U.S. Bank will report your payments to the three credit bureaus to help you build credit over time.
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Card Details

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  • View your credit score anytime, anywhere in the mobile app or online banking. It’s easy to enroll, easy to use, and free to U.S. Bank customers
  • Choose your payment due date; Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.
  • 24/7 account access; Use the U.S. Bank Mobile App or online banking to make a payment, check your balance and much more.
  • Choose your payment due date: Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.
  • 0% Fraud Liability: You are not responsible for unauthorized transactions if your card is ever lost or stolen
  • Contactless payments: Pay with a tap. Your contactless card makes payments with a simple, single tap. Just look for the Contactless Symbol when checking out.
  • Mobile Wallet: Add the Cash+ Secured Visa card to your Mobile Wallet. Convenient and secure, you can pay with just a tap.
  • Autopay: Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.
  • ID Navigator Powered by NortonLifeLock?: Get tools that help keep you informed of threats that may affect your identity
Pros
  • No annual fee
  • Easy to get approved
  • Free credit score
Cons
  • Security deposit required
  • Doesn’t have a rewards program
  • High variable APR

Best for Credit-Building with Rewards

U.S. Bank Altitude? Go Secured Visa? Card

U.S. Bank Altitude? Go Secured Visa? Card
Up to 4X Reward Rate

Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on groceries, gas, and streaming services. Earn 1X points on all other eligible purchases.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
29.99% variable
Recommended Credit
Bad/Poor (300 - 580)
Why we like it
The U.S. Bank Altitude? Go Secured Visa? Card is another secured credit card for building credit, but this one offers flexible rewards on your spending. Users can earn up to 4X points on eligible purchases, and they even get a $15 annual credit toward eligible streaming services. While there’s no annual fee, a refundable security deposit of at least $300 is required.
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Card Details

More Card Info

    • Security deposit of $300 - $5,000 required
  • $15 credit for annual streaming purchases like Netflix, Hulu, Spotify?, Apple Music, Disney+, HBO Max and more
  • Choose your payment due date: Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.
  • 0% Fraud Liability: You are not responsible for unauthorized transactions if your card is ever lost or stolen
  • Contactless payments: Pay with a tap. Your contactless card makes payments with a simple, single tap. Just look for the Contactless Symbol when checking out.
  • Mobile Wallet: Add the Altitude Go Secured Visa card to your Mobile Wallet. Convenient and secure, you can pay with just a tap.
  • Autopay: Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.
  • ID Navigator Powered by NortonLifeLock?: Get tools that help keep you informed of threats that may affect your identity
Pros
  • Earn rewards points on spending
  • No annual fee
  • Easy to get approved
Cons
  • High regular APR
  • Minimum $300 security deposit required

Best for Credit-Building with Cash Back

U.S. Bank Cash+? Secured Visa? Card

U.S. Bank Cash+? Secured Visa? Card
Up to 5% Reward Rate

Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose and on eligible travel. Earn 2% cash back on eligible purchases in one everyday category you choose, and earn 1% cash back on all other eligible purchases.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
29.99% variable
Recommended Credit
Bad/Poor (300 - 580)
Why we like it
The U.S. Bank Cash+? Secured Visa? Card is a final secured credit card from U.S. Bank to consider, and this card offers cash back rewards on all your spending. A minimum refundable security deposit of $300 is required to get started, yet you’ll earn 1% to 5% cash back on eligible purchases.
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Card Details

More Card Info

  • Security deposit of $300 - $5,000 required
  • Choose your payment due date: Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.
  • 0% Fraud Liability: You are not responsible for unauthorized transactions if your card is ever lost or stolen
  • Contactless payments: Pay with a tap. Your contactless card makes payments with a simple, single tap. Just look for the Contactless Symbol when checking out.
  • Mobile Wallet: Add the Cash+ Secured Visa card to your Mobile Wallet. Convenient and secure, you can pay with just a tap.
  • Autopay: Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.
  • ID Navigator Powered by NortonLifeLock?: Get tools that help keep you informed of threats that may affect your identity
Pros
  • Earn cash back on spending
  • No annual fee
  • Easy to get approved
Cons
  • High regular APR
  • Security deposit required
  • Charges 3% in foreign transaction fees

Who is U.S. Bank?

U.S. Bank is one of the largest banks in the United States with over 2,000 branches in 26 states. U.S. Bank has a long and storied history that dates all the way back to 1863 and offers a range of financial services and products, including wealth management, bank accounts, retirement accounts, loans, and credit cards. You can learn more about U.S. Bank savings accounts in our helpful guide.

It is consistently ranked among the top 10 credit card issuers in America, and as of 2023 ranked 7th behind other issuers like American Express, Bank of America Capital One, Chase, and Citi. It has been rated as one of the most ethical companies in the world, by The Ethisphere Institute, for nine years straight, as of 2023.

Are U.S. Bank credit cards any good?

Despite being a smaller bank competing against credit card giants like Amex & Chase, U.S. Bank offers some great credit cards. Specifically, U.S. Bank credit cards are praised among consumers for their flexible rewards programs. They offer a wide selection of credit cards in many different categories and come with lower fees than other competitors, making them a great option for middle-class consumers.

Which U.S. Bank credit card is best?

There are several U.S. Bank credit cards that stand out from the rest, although the best option for you depends on your spending style and the type of rewards you want to earn.

For example, the U.S. Bank Altitude? Go Visa Signature? Card is usually the best for people who want to earn rewards with no annual fee, while the U.S. Bank Cash+? Visa Signature? Card is great for earning cash back.

If you prefer to earn travel rewards, on the other hand, the U.S. Bank Altitude? Connect Visa Signature? Card or the U.S. Bank Altitude? Reserve Visa Infinite? Card may serve you best.

Meanwhile, the U.S. Bank Visa? Platinum Card is far and away the best U.S. Bank credit card for debt consolidation.

Which U.S. Bank credit card is best for rewards?

When it comes to earning rewards, several U.S. Bank cards offer general (non-travel) rewards for spending.

Options include the following:

However, which card is best for rewards depends on the type of rewards you are looking for, such as cash back or rewards points.

Best for cash back

In our eyes, the best U.S. Bank credit card for cash rewards is the U.S. Bank Cash+? Visa Signature? Card.

This card offers 5% cash back on the first $2,000 spent in combined purchases each quarter in two categories of your choosing. From there, you earn 2% cash back in one everyday category and 1% cash back on all other purchases. A $200 rewards bonus is even available for cardholders who can spend $1,000 on eligible purchases within 120 days of account opening.

To sweeten the deal even further, the U.S. Bank Cash+? Visa Signature? Card offers 0% APR on purchases and balance transfers for 15 billing cycles (followed by a variable APR of 19.74%-29.74%). Best of all, there’s no annual fee.

Best for rewards points

If you are interested in earning points instead of cash back, our pick of the best U.S. Bank rewards card is the U.S. Bank Altitude? Go Visa Signature? Card.

We like that this card offers 4X points on dining (including takeout and delivery), 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations, and 1X points on other eligible purchases. New card members can also earn 20,000 bonus points after spending at least $1,000 on eligible purchases within 90 days of account opening.

Points earned with this card never expire as long as your account remains open, as is the case with all U.S. Bank credit cards. This card also comes with no annual fee and no foreign transaction fees, among other perks.

Best U.S. Bank credit cards for travel

U.S. Bank also offers many travel rewards credit cards, but the two that stand out among the rest are:

Best for general travel rewards

If you want to enjoy travel rewards without spending the huge sums of money required by premiums travel credit cards, then The U.S. Bank Altitude? Connect Visa Signature? Card could be a good option for you. This card is best for travel enthusiasts who don’t want to pay the high annual fee for a premium card, and while it does have a $95 annual fee, it includes many of the perks you would find on more expensive cards and you can also qualify to have the annual fee waived the first year.

Notable perks include a free credit toward Global Entry or TSA PreCheck, no foreign transaction fees, Visa Signature benefits, cell phone protection, four Priority Pass airport lounges passes each year, and a $30 annual streaming credit (terms apply).

Consumers who pick the U.S. Bank Altitude? Connect Visa Signature? Card can earn 50,000 bonus points after spending $2,000 on eligible purchases within 120 days of approval and account opening. The card also earns 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center, 4X points on travel, at gas stations and EV charging stations, 2X points at grocery stores, grocery delivery, dining and streaming services and 1X points on other eligible purchases.

Best for luxury travel perks

If you want a travel credit card with all the bells and whistles, the U.S. Bank Altitude? Reserve Visa Infinite? Card is the best option. This card charges a $400 annual fee, but you earn 50% more rewards per dollar than with the U.S. Bank Altitude? Connect Visa Signature? Card. You can also earn up to $325 in annual credits toward travel and dining.

New cardholders get the chance to earn 50,000 bonus points worth $750 in travel after spending $4,500 on new purchases within the first 90 days of account opening. Other rewards include 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center, 3X points on eligible travel and mobile wallet spending, and 1X points on all other eligible purchases.

In addition, the card also comes with four Priority Pass airport lounge visits per year, a free credit toward Global Entry or TSA Precheck, and more.

Best U.S. Bank credit cards for low interest

A handful of cards from this issuer offer an introductory APR that applies to purchases and balance transfers, but the two stand-out cards are the following:

Best for balance transfers

If you are in the market for a card that offers a good introductory offer for paying down debt through a balance transfer, The U.S. Bank Visa Platinum Card could be a good option for you. This card doesn’t charge an annual fee and comes with 0% APR on purchases and balance transfers for 18 billing cycles. Keep in mind you will have to pay?a balance transfer fee of 3% (minimum $5) which is about average for most credit cards. After the introductory APR period, a variable APR of 18.74% to 29.74% applies.

This card doesn’t earn rewards, but it’s a great deal for people who want to pay down high-interest debt without interest for more than a year.

Best low introductory APR with cash rewards

If you want a credit card that offers 0% intro APR for purchases and balance transfers but also functions as a cash rewards card, consider the U.S. Bank Cash+? Visa Signature? Card.

This card comes with no annual fee and offers cash rewards on spending and 0% APR on purchases and balance transfers for 15 billing cycles (followed by a variable APR of 19.74%-29.74%).

New card members can also earn a $200 cash bonus after spending $1,000 on eligible purchases within 120 days of account opening.

Best U.S. Bank credit cards with no annual fee

U.S. bank credit cards with no annual fee include:

As you can see from the above list, there are several U.S. Bank credit cards with no annual fee. However, the best depends on what other benefits you are looking for in a card.

If your goal is to earn rewards points for spending, consider The U.S. Bank Altitude? Go Visa Signature? Card. If you are interested in earning cash back, consider the U.S. Bank Cash+? Visa Signature? Card. Lastly, if you are looking to transfer a balance and pay down a debt, consider the U.S. Bank Visa? Platinum Card.

Best U.S. Bank credit cards for bad credit

U.S. Bank offers three different secured credit cards that can work for people who have no credit or bad credit:

Each of these cards makes approval easy regardless of your creditworthiness, although a refundable security deposit is required to get started.

However, among these 3 cards, the best U.S. Bank credit card for bad credit is the U.S. Bank Altitude? Go Secured Visa? Card. While the Cash+ card offers more flexible rewards in the sense that you can redeem points for cash, the Altitude? Go Secured Visa? Card offers an easier, flat-rate points system and no limit to the number of points you can earn in spending categories. At the end of the day, the points system is also virtually identical with minor differences. Therefore it makes sense to go with the easier option with no rewards limits.

Note that the credit limit on secured cards is typically equal to the collateral put down, so any one of these cards can come with a credit limit as low as $300.

Best U.S. Bank credit cards for small business

U.S. Bank offers four different business credit cards for small business owners and entrepreneurs:

Best small business rewards card

The U.S. Bank Triple Cash Rewards Visa? Business Card is our top pick for U.S. Bank business rewards because you earn 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants, as well as 1% cash back on other purchases.

A $500 cash bonus is available if you can spend $4,500 on purchases within three months of account opening, and there’s no annual fee. A $100 software credit for recurring purchases with FreshBooks or QuickBooks also applies.

Best business credit card with intro APR

If you’re not worried about rewards but your business needs a break on interest instead, make sure to check out the U.S. Bank Business Platinum Card. This business credit card doesn’t have an annual fee, and cardholders get 0% APR on purchases and balance transfers for the first 18 billing cycles (followed by a variable APR of 17.24% to 26.24%).

Does U.S. Bank offer credit card pre-approval?

U.S. Bank offers credit card pre-approval, but it’s not available through an online tool open to the public. Instead, the U.S. Bank sends out pre-approved offers by post or through email.

Existing U.S. Bank customers may also find pre-qualified offers on their online account management page.

Frequently asked questions (FAQ) for U.S. Bank credit cards

What credit score do I need to get a credit card from U.S. Bank?

Credit score requirements for U.S. Bank cards vary by product. However, the card issuer says most of their products are geared toward consumers with established credit and a credit score in the good to excellent range. This typically means FICO scores of 670 or higher. For some credit cards, such as secured credit cards, anyone may be able to apply.

What credit bureaus does U.S. Bank report to?

U.S. Bank is known for reporting to any of the three credit bureaus, and the bureau your information is reported to can depend on where you live and other factors.

When does U.S. Bank report to the credit bureaus?

U.S. Bank sends monthly reports to all three credit bureaus There is no specific date of the month when U.S. Bank reports to the credit bureaus. However, it typically happens a few days after the end of your billing cycle. Therefore, you should always keep this in mind and ensure you pay on time to maintain a good credit score.

What bureau does U.S. Bank pull for credit cards?

Reports note that U.S. Bank will likely pull your credit report from TransUnion, but they also use Experian and Equifax.

Does U.S. Bank offer secured credit cards?

U.S. Bank offers three secured credit cards for consumers with bad credit, limited credit history, or no credit at all:

  • U.S. Bank Secured Visa? Card
  • U.S. Bank Altitude? Go Secured Visa? Card
  • U.S. Bank Cash+? Secured Visa? Card

How can I check a U.S. Bank application status?

To check your U.S. Bank application status you can call 800-947-1444 and choose option 1 when prompted

What is the easiest credit card to get from U.S. Bank?

The easiest credit card to get from U.S. Bank is one of their 3 secured credit cards. That’s because secured credit cards are made for people with low credit scores or no credit history. Therefore, they are the easiest to get approved for but require a refundable security deposit at sign-up.

Is it hard to get a credit card from U.S. Bank?

U.S. Bank is not inherently harder to get a credit card from than any other bank. However, if you don’t meet the minimum credit score required, then you may struggle to get approved for a card from this issuer. It’s important to check the credit score requirements for the card you plan to apply for before submitting your application. If your credit score needs improving, consider applying for one of U.S. Bank’s secured credit card options.

Does U.S. Bank have a low-interest rate credit card?

U.S. Bank offers several credit cards with interest-free offers for purchases and balance transfers – such as the U.S. Bank Visa? Platinum Card and the U.S. Bank Cash+? Visa Signature? Card.

However, these introductory rates only last for a limited time. To qualify for a good interest rate after the end of the intro APR period, you should work to improve your credit score.

Which U.S. Bank credit card comes with the highest spending limit?

Your credit limit will depend on your income, your creditworthiness, and other factors. However, the U.S. Bank Altitude? Reserve Visa Infinite? Card may give you the best chance at the highest limit possible.

Do U.S. Bank credit cards offer contactless payment?

Yes, new cards issued by U.S. Bank come with contactless chip technology that allows tap-to-pay and enhances the overall security of your credit card.

What is the U.S. Bank credit card customer service contact number?

U.S. Bank credit card customers can call them using the number on the back of their card, or at 800-285-8585.

Holly D. Johnson
Holly D. Johnson Finance Expert

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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